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First Rate Mortgage Brokers

Level 1, Tasman House, 50 Centreway Road
Orewa
Area: Hibiscus Coast
We focus on arranging business finance, home loans and finance, residential or commercial property investment, construction finance, refinancing, and debt consolidation for Hibiscus Coast and Auckland. We help work through issues that pop up and creating a solution around your property financing. If you are looking for a fresh approach with your mortgage, get in touch.

Established in 2006, the team at First Rate Mortgages Ltd have had many years experience in both banking, broking and in business as well as personal experience as home owners, investors and working on their own builds and renovations.

2024 We are proud to announce ...

We are pleased that our adviser Danielle Happy won the 2024 New Zealand Mortgage Awards Avanti Finance Adviser of the year for Specialist Lending. First Rate Mortgages is a niche financial adviser firm based in Orewa.  We have the pleasure of working with a large number of bank and non-bank lenders. Our team focus on helping clients with home loans, investments, developments, construction,  difficult to prove income and/or credit issues. Solving problems with solutions is what we do best.

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New Zealand Mortgage Association - 2024 Winner - Adviser of the Year - Danielle Happy
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Refinancing and Debt Consolidation

First Rate Mortgages Ltd is one of New Zealand's leading experts when it comes to debt consolidation, mortgage refinancing, and helping clients with top ups on an existing mortgage.

Their services are tailored to your specific needs, and they have helped hundreds of clients with mortgage refinancing when traditional banks have been unable to. If you would like to look at Debt Consolidation, Topping Up Your Mortgage or Mortgage Refinancing, Call Us.

Our Bank Said No!

First Rate Mortgages Ltd are a lender that specialises in Non Bank lending and home loans that banks can't always help with, such as self-employed, a start-up business, release of equity, payment of IRD tax arrears, saving a mortgagee sale, or applying for a bad credit home loan. Whether it's A Bad Credit Rating, you need Self-Employed / No Financials Home Loan or need a Second Mortgage, or whether you need a Low Doc loan which helps if you are self-employed or on commission only, Call Us.

Business Loans

Since Covid there has been an increased demand for short-term business loans and business lines of credit due to the impact of COVID-19 on business operations and many of these need to be low documentation.

Low doc loans are usually used as short-term solutions until a property is sold or financial accounts become available for long-term bank funding. However, non-bank finance will usually come with higher rates than bank lenders and this is where a mortgage broker can make the difference.

Many businesses had to scale back to survive during Covid but now require additional non-bank working capital finance for future planning. It is important to consider the cost of missed opportunities when assessing your financing needs. If you need a higher level of stock, new equipment, or more staff to take advantage of potential deals or sales, non-bank lenders can often provide faster online approval and funding for secured and unsecured options.

Visit our non-bank website for more information on business finance. The team is accredited with four Non Bank Australian funders operating in New Zealand and helping Kiwis with urgent business finance. 

Auckland Home Loans

With over 68 years of financial and home loans experience in NZ, the team at First Rate Mortgages Ltd have a reputation for providing professional and quality services to first home buyers and understanding home loans both on the Hibiscus Coast and for clients across New Zealand.

Many banks and lenders offer attractive cashbacks as incentives for you to take advantage of when taking a loan. The team at First Rate Mortgages are able to source and help you find the best options for you with regard to cash backs on mortgages.

First Rate are committed to providing a comprehensive service with a focus on each individual client. We can help whether you are First Home Buyer, New Home Build, Buying a New Home, Using Kiwisaver Savings and a Home Starter Grant, Needing Bridging Finance or Want to find out more about interest rates, Call Us.

You are always welcome to subscribe to our newsletter which you can Subscribe here for regular articles and updates.

Property Investments

Talk to our rental investments specialists for money management and debt advice and make smarter choices and decisions. First Rate Mortgages Ltd go above and beyond traditional banks and mortgage advisors to help you buy your first rental and look after your rental investments. If you would like to look at Buying your first rental investment, adding to your Rental Property Portfolio or consider Commercial Property Finance, Call Us.

As advised we also service non-bank lending - please check our Non-Bk Ltd - Non bank mortgage lending page on this site or go directly to our website at https://nonbank.co.nz

Commercial Property Finance

If you require premises but would prefer to own your own instead of leasing First Rate Mortgages can also help you with commercial lending for your property purchase.

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